A growing number of Czech households are prioritizing financial security, with one-third now saving over CZK 5,000 per month, according to a June survey conducted by Ipsos for Home Credit. This marks a five-percentage-point increase compared to last year. The data also shows a decline in the number of households without any savings—from 14% in 2024 to 10% this year. The survey, which involved over 1,000 respondents, indicates that 11% of households continue to save less than CZK 1,000 monthly, and another 11% are unable to save at all. Nevertheless, the overall trend suggests an improvement in saving habits. Home Credit ombudsman Miroslav Zborovský emphasized the importance of maintaining a financial buffer, recommending that households aim to cover at least three to six months of regular expenses. He noted that consistent saving, even in small amounts, contributes to long-term financial stability. According to the findings, 25% of Czechs have a reserve equal to or less than one month’s income, while 26% have accumulated savings exceeding five times their monthly income. The number of people reporting an increase in their financial reserves rose to 28% from 19% last year. Meanwhile, 38% experienced a decrease in savings, though this is down from 48% in 2024. The most significant improvements were observed among individuals aged 18–26, those with higher education, and households with monthly incomes above CZK 60,000. By contrast, households earning up to CZK 25,000 continue to face challenges in saving, with 20% unable to save at all and 30% saving only minimal amounts. Savings accounts remain the most common method of storing funds, used by 72% of respondents. Use of current accounts for saving dropped to 32%, a seven-point decrease from last year. According to analyst Jaroslav Ondrušek of Home Credit, lower-educated individuals and residents of small municipalities (under 1,000 inhabitants) are more likely to store cash at home. Investment is becoming increasingly popular, especially among younger and more educated Czechs. Nearly half of respondents now use investment products. Exchange-traded funds (ETFs) are the most favored, with 19% of respondents investing in them—rising to 40% among those with monthly incomes over CZK 50,000. Direct stock investments are preferred by 18%, especially among university students and young adults. Real estate is a favored option for high-income groups, while interest in cryptocurrencies is more pronounced among young people and Prague residents.